Hi, The only reason they did not offer was because I had had too many searches carried out on my credit file. I had arranged finance for a new sofa, a new car and a kitchen. When you combined the searches for the mortgage offer and that of Halifax - which we used as a comparison - C&G determined that I was unsuitable for ,ortgage purposes - even though the Halifax didnt. Does this help or hinder my case? Chucky

Hi All, My situation is somewhat similar but with one other very important twist. I have a two year fixed term deal with C&G which ends at the end of December 2010. I have sold my house and initially requested to port the mortgage to the new property I have purchased. The deal was portable so I didnt see this as beign a problem. However C&G have declined to offer me a new mortgage on the new property. They say this is down to their lending criteria. I have never once been in arrears or missed any payments and have been offered a mortgage by Halifax for the new place. C&G still want me to pay £2400 ERC. My argument with them at the momenet is this. As they did not allow me to port the mortgage over, as per the agreed terms and conditions and as they did not offer me another mortgage, why should I pay their ERC? They in effect have forced me to look elsewhere for a new deal, so why should I be forced to pay their charges? I am initially looking at TCF regulations, particularly outcome 6 which states "consumers do not face unreasonable post sale barriers imposed by firms to change products, switch provider, submit a claim or make a complaint" I feel C&G have fallen far short of this requirement. I am also considering the "unfair terms and conditions of contract regs" and a letter posted elsewhere on this site which refers to the OFT, as below.. A term in a mortgage agreement which requires the borrower to pay more for breaching the contract than actual costs and losses caused to the lender by the breach (or a genuine pre-estimate of that) is likely to be regarded as an unfair penalty and to be unenforceable at Common Law and (in a consumer mortgage) under the Unfair Terms in Consumer Contracts Regulations Can anyone shed any light on my position? My current thought here is to offer to pay the interest to the end of december - about £600 - saving myself £1800. Thanks Chucky